If a Hurricane Hits, Do You Have the Right Coverage?

If a hurricane hits, do you have the right coverage-

We are in the midst of hurricane season, which lasts all the way through November.  The peak of the season is approaching which usually lasts from mid-August through late October in the Atlantic region.  There is a lot to do to prepare for a hurricane in order to keep your family safe.  Ready.gov provides basic […]

Can You Save Us…Please?

Can You Save Us Please?

Ok, let me see a show of hands, how many of you have our agency phone number saved in your cell phone contacts list?  That’s what I thought, I didn’t see many hands go up. In an effort to make your life a little simpler, why don’t you take a moment and add W.J. Farmer […]

Spontaneous Combustion – BEWARE!!

Spontaneous combustion

I just received notification that one of our insurance companies just paid out $65,0000 to a homeowner on behalf of one of our contracting clients who was doing work in the claimant’s house.  One evening, the contractor left dirty, oily rags in the basement which spontaneously caught fire in the middle of the night causing […]

Turning Left? Look Again!


Every month I review the claims that were submitted through our agency during the prior month.  Just this morning, I looked over the claims for the month of April.  Each month I continue to be amazed (not in a good way), at how many auto claims are caused by someone making a left hand turn. […]

When To Get Commercial Auto Insurance

When To Get Commercial Auto Insurance

If you are a business owner, with a business vehicle, you may be unsure if you need to purchase a commercial auto insurance policy for your vehicle.  Many people are hesitant to purchase a commercial auto policy because they assume they need to register the vehicle commercially and that it is going to be more expensive. […]

Understand Your Coverage: Improvements and Betterments

Betterments and Improvements

John’s Italian Restaurant recently signed a lease with Landlord LLC to occupy a portion of their building.  John’s spent several weeks transforming the once bland storefront into an upscale authentic Italian restaurant.  Luxurious lighting, expensive carpeting, wallpaper, new interior wall partitions, and other building improvements were made at a cost of $100,000. John’s grand opening […]

Things You Need to Know Before the Snow

Tips for walking in the snow and ice

Don’t let those 50 degree days fool you, winter is NOT over.  Over the next couple of days the entire state of New York is going to experience some pretty heavy snow fall.  Schools will be cancelled, businesses will be closed, and most people will do what they can to stay inside.  Unfortunately not everyone […]

Insurance is Peace of Mind


“Why did my premium go up?  I have had this insurance for ‘x’ number of years and I have never put in a claim!”  I cannot tell you how many times I have heard this question/complaint over the years from one of our customers or even from a prospect shopping for new insurance (because their […]

Renting a Car, Are You Covered?

Car Rental

As agents, one of the most common questions we receive from customers is “I am renting a car, am I covered under my auto insurance or do I need to buy the optional vehicle protection from the rental car company?” Luckily, for most of our insured’s, coverage is provided under their auto insurance policy, as […]